About

With over 100 years of experience in helping car buyers in Ohio obtain auto financing, we’ve learned a thing or two. We realized that bad things happen to good people. That’s why Ohio Approval is here to help all kinds of individuals get auto loans even with bad credit. We also help first time buyers, no credit buyers and even those who have faced bankruptcy or repossession. You are not your credit score. We want to finance your future, not your past.

At Ohio Approval, we offer one reasonable financing rate for everyone regardless of past history or circumstances beyond your control. If you’re wondering how to get a loan with bad credit, look no further. All you need is a valid driver’s license, proof of income and proof of residency. Then, simply fill out the form on our website to get started. It’s that easy!

We say yes when the bank says no! Let us work hard to find you a quality vehicle at financing that you can afford. Call Ohio Approval at 1-866-611-2474 now.

If you happen to have more questions before getting started with Ohio Approval, check out some of our frequently asked questions:

Frequently Asked Questions

Q: What if I’m a first time buyer?
A: Congratulations! We couldn’t be more excited to help you with the car buying process! To make your first experience as painless as possible, we have many special programs for first time auto loans.

Q: What if I’m an entrepreneur or self-employed?
A: We can appreciate the initiative it takes to be your own boss. That is why being self-employed is usually no problem at Ohio Approval.

Q: Do you take trade-ins?
A: At Ohio Approval, we welcome your trade! If you have a clear title or even if you still owe on your current vehicle, we are here to help take your old vehicle off of your hands.

Q: What if I’m upside down on my trade?
A: We can usually get a little extra help from the bank to overcome negative equity

Q: What if I have faced repossession?
A: Unfortunately, many of our customers have faced repossessions in the past. However, Ohio Approval is here to finance your future; our goal is to help you re-establish your credit by getting you a new vehicle with affordable financing.

Q: What if I’ve declared bankruptcy?
A: Like we’ve said before, we want to finance your future, not your past. So if you have a discharged Chapter 7 or even an active Chapter 13 bankruptcy, we can help. Our rich history has connected us with many lenders that specifically specialize in bankruptcy auto loans.

Q: What if I can’t come up with a down payment?
A: We can still help you obtain affordable financing! Ohio Approval has access to a variety of programs that either allow you to put just a little bit down or possibly no money down at all!

Q: What if I’ve changed jobs recently?
A: It really doesn’t matter how long you’ve been at your current position. What we are looking for is your ability to repay the loan, which is based on more than just your current length of employment.

Q: What if I’m on Social Security or receiving Disability?
A: Being on Social Security or Disability will not prevent you from qualifying for affordable financing at Ohio Approval.

Q: How much money do I have to make to qualify for approval?
A: The usual minimum income required to qualify for approval is about $1200/per month, but this is not a hard and fast amount. It can vary from lender to lender, and we will make sure to find you financing that you can afford.

Q: Do you report to the major credit reporting agencies?
A: We want to help you re-build your credit, which is why our related finance company reports your payment history monthly.

Q: How much can I expect my monthly payment to be?
A: This can vary quite a bit because it depends on different factors like make/model, amount of purchase, interest rate, term of loan and down payment. To receive an estimate, call Ohio Approval at 1-866-611-2474 now!

Q: What if I’m a first time buyer?
A: Congratulations! We couldn’t be more excited to help you with the car buying process! To make your first experience as painless as possible, we have many special programs for first time auto loans.

Q: What if I’m an entrepreneur or self-employed?
A: We can appreciate the initiative it takes to be your own boss. That is why being self-employed is usually no problem at Ohio Approval.

Q: Do you take trade-ins?
A: At Ohio Approval, we welcome your trade! If you have a clear title or even if you still owe on your current vehicle, we are here to help take your old vehicle off of your hands.

Q: What if I’m upside down on my trade?
A: We can usually get a little extra help from the bank to overcome negative equity

Q: What if I have faced repossession?
A: Unfortunately, many of our customers have faced repossessions in the past. However, Ohio Approval is here to finance your future; our goal is to help you re-establish your credit by getting you a new vehicle with affordable financing.

Q: What if I’ve declared bankruptcy?
A: Like we’ve said before, we want to finance your future, not your past. So if you have a discharged Chapter 7 or even an active Chapter 13 bankruptcy, we can help. Our rich history has connected us with many lenders that specifically specialize in bankruptcy auto loans.

Q: What if I can’t come up with a down payment?
A: We can still help you obtain affordable financing! Ohio Approval has access to a variety of programs that either allow you to put just a little bit down or possibly no money down at all!

Q: What if I’ve changed jobs recently?
A: It really doesn’t matter how long you’ve been at your current position. What we are looking for is your ability to repay the loan, which is based on more than just your current length of employment.

Q: What if I’m on Social Security or receiving Disability?
A: Being on Social Security or Disability will not prevent you from qualifying for affordable financing at Ohio Approval.

Q: How much money do I have to make to qualify for approval?
A: The usual minimum income required to qualify for approval is about $1200/per month, but this is not a hard and fast amount. It can vary from lender to lender, and we will make sure to find you financing that you can afford.

Q: Do you report to the major credit reporting agencies?
A: We want to help you re-build your credit, which is why our related finance company reports your payment history monthly.

Q: How much can I expect my monthly payment to be?
A: This can vary quite a bit because it depends on different factors like make/model, amount of purchase, interest rate, term of loan and down payment. To receive an estimate, call Ohio Approval at 1-866-611-2474 now!

 

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